I had a different issue with them. A minor one but still an issue which they didn't even listen. I had tried to connect to Indusind cc on my phone and every time you have to wait atleast 20 minutes and every time the call disconnected before anything could be resolved. I tried two times and gave up. They are not even responding to people commenting on their Twitter posts. I can tell you that many psu banks offer much better service than them. I can confidently say that pnb and Bob are much better in service than Indusind. I was thinking of opening an account with them since I upgraded my card to Pinnacle but I have dropped the idea. I don't know how others are able to tolerate them or maybe they have had better experiences.